Chapter 13 and one easy payment is like the old joke about military intelligence. It's a contradiction in terms. I would advise you to see a lawyer and find out exactly what chapter is right for you. With no equity in the home and a $4k or so HEL, you are probably still under the amount of equity your state says you can keep in bk. You may well be able to file a 7 as opposed to a 13 and I'd recommend you do so if possible. This sounds pretty rountine. Most lawyers give free initial consultations. Go see one and lay out the whole picture for them and see what they recommend.

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